Thursday, January 2, 2014

ACH is bad, but the banks are worse


So there’s been a lot of talk about BitCoin lately, and I particularly liked this piece by Guan - BitCoin’s real value is it's payment system. It doesn't necessarily work very well as a store of value or unit of account, but the very low transaction costs and ease of signup make it attractive as a payments system. The 1% cost of some bit coin transactions is very acceptable for small payments, and its fairly typical for small payments to cost more on a % basis than large ones. That vast majority of bitcoin payments cost far less than 1%, and thats very cheap for an international payments system. 

One of the reason’s that Bitcoin has become popular is because the US payment system sucks - ACH was originally designed in the early 70s, and its way out-dated compared to most of the national payment systems across the globe. Of course most of those systems were built and deployed 20+ years after ACH, but thats kind of the point: the US payments system is outdated and creaking under the demands of today's world. Unfortunately, the big banks that monopolize banking in the US have stymied all efforts at fixing the problem

So I agree with the thrust of Guan's post, but thought it might help to clarify some things - 
  1. ACH is actually a next business day system not unlike what Guan describes in Denmark. If your bank sends an ACH payment to the Federal Reserve by midnight, the Federal Reserve will send it to the receiving bank by 6 am of the next business day. In reality, the cut-off is 2.15 am ET, so really it takes less than 4 hours. However, almost 100% of banks in the US are on batch processing systems left over from the 70s, so each of the steps of making an ACH transfer: 1)debit sender’s account; 2) send to recipient bank via Fed; 3) recipient bank credits recipient account; ends up taking 1 day, and thats what leads to the 2-3 business day time for the end to end ACH payment.
  2. The Federal Reserve charges banks $0.0025 cents per ACH transaction. Thats right, less than 1/3rd of a cent. Think about that the next time your bank tries to charge you $10 for a “Next-day payment”. That’s essentially the bank sending an ACH transaction to the Fed tonight without holding your money for a couple of days first, and charging you for the privilege.
  3. FedWire costs banks $0.138 per transaction. Think about that the next time your bank charges you $35 for a wire transfer.
  4. So if back-end transaction costs are so low, why are retail costs so high? Some markup is to be expected, but these margins are insane, especially given the massive scale of US payments systems. ACH moved $37 trillion in 2012. Because NACHA, the standards body that sets ACH standards, is controlled by the big banks, not by Congress. So essentially, the banks write the rules, and the Federal Reserve implements them. 
  5. Not all customers in the US can get a bank account easily. There are 17 million unbanked adults in the US, and 10s of millions more are "underbanked". One of the main causes is that they ran afoul of a bank some day, and got their name added to debit bureau systems like ChexSystems/Qualifile. Most banks in the country will deny an account for anybody who has a ChexSystem entry.
As even Guan realizes in his post, the payment system is one part of the problem, but the outdated technology being used by banks is another big part. There are over 7000 banks in the US, plus 1000s of credit unions, so fixing the problem of outdated batch processing technology is a herculean task. Forcing banks to adopt new systems, which might allow them to automatically post a FedWire transaction intra-day without teller involvement for example, would bankrupt a lot of the smaller banks. The big banks are even worse off technology wise; CITI has spent billions of dollars to build a new BATCH processing transaction system which they are still rolling out globally; most of the others aren't even trying to fix their systems. Why should they, when they can just pass on the costs to customers, and the regulators aren't allowing any competition?

The Reserve Bank of Australia recently moved to same-day payments in Australia, and all the banks in Australia have a timetable to move to real-time payments within 5 years. The Federal Reserve in the US doesn't even have the authority to think of such a move. So yes, retail payments systems in the US are broadly fucked for consumers. But if you're wondering why, it's because Congress and the regulators have failed consumers in the US.

87 comments:

  1. how ridiculous is it to consider btc as a payment system without considering the commission and time-expense you incur in exhanging from USD or whatever in and out of BTC?

    ReplyDelete
    Replies
    1. This comment has been removed by the author.

      Delete
    2. ********** Welcome to Shop ************

      HI ALL NEW CLIENT
      IM BIG HACKER GOOD
      - I'm is Professional seller,more than 8 years experience,i have sold cvv credit card to many customers all over the world.
      - Selling cvv, fullz many country as: Canada,USA,Australia,UK...all And many country in Europe: Fr,Ger,Spain,Ita...
      - I hope we will work together for a long time.
      - Always sell cvv quality with high balance.

      Contact me:
      - Y!m : wuhacker
      - Mail: wuhacker@yahoo.com

      ___________________ CCV !! CCN ______________________

      List cc and my price..

      - Us (Visa,Master) = 5$ per 1
      - Us (Amex,Dis) = 6$ per 1
      - Us Bin 10$ , US Dob 15$
      - Us fullz info = 25$ per 1
      --------------------------------
      - Uk (Visa,Master) = 10$ per 1
      - Uk (Amex,Dis) = 15$ per 1
      - Uk Bin 15$ , UK Dob 20$
      - Uk fullz info = 30$ per 1
      --------------------------------
      - Ca (Visa,Master) = 15$ per 1
      - Ca (Amex,Dis) = 20$ per 1
      - Ca Bin 15$ , CA Dob 20$
      - Ca fullz info = 30$ per 1
      --------------------------------
      - Au (Visa,Master) = 15$ per 1
      - Au (Amex,Dis) = 20$ per 1
      - Au Bin 17$ , AU Dob 25$
      - Au fullz info = 30$ per 1
      --------------------------------
      - Eu (Visa,Master) = 20$ per 1
      - Eu (Amex,Dis) = 23$ per 1
      - Eu Bin 25$ , AU Dob 30$
      - Eu fullz info = 40$ per 1
      --------------------------------
      - RDP = 20$
      - SMTP = 25$ ( All Country )
      - Italy = 20$ per 1 (fullz info = 35$)
      - Spain = 20$ per 1 (fullz info = 35$)
      - Denmark = 25$ per1 (fullz info = 35$)
      - Sweden = 20$ per 1 (fullz info = 35$)
      - France = 20$ per 1 (fullz info = 35$)
      - Germany = 20$ per 1 (fullz info = 35$)
      - Ireland = 20$ per 1 (fullz info = 35$)
      - Mexico = 15$ per 1 (fullz info = 30$)
      - Asia = 15$ per 1 (fullz info = 30$)


      ________________ Do WU transfer ______________________

      - 700$ for MTCN 8000$
      - 550$ for MTCN 6000$
      - 400$ for MTCN 4000$
      - 200$ for MTCN 1500$

      __________ Bank Logins Prices US UK CA AU EU _____________

      . Bank Us : ( Bank of america,HALIFAX,BOA,CHASE,Wells Fargo...)
      . Balance 3000$ = 150$
      . Balance 5000$ = 250$
      . Balance 8000$ = 400$
      . Balance 12000$ = 600$
      . Balance 15000$ = 800$
      . Balance 20000$ = 1000$

      - Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)
      . Balance 5000 GBP = 300$
      . Balance 12000 GBP = 600$
      . Balance 16000 GBP = 700$
      . Balance 20000 GBP = 1000$
      . Balance 30000 GBP = 1200$

      __________________ PayPal account _______________________

      = Account PayPal 1500$ = 200$
      = Account PayPal 2500$ = 250$
      = Account PayPal 4000$ = 350$
      = Account PayPal 7000$ = 550$

      _____________ Dumps track 1 track 2 with pin _____________

      - Dumps,Tracks 1&2 Us = 70$ per 1
      - Dumps,Tracks 1&2 UK = 80$ per 1
      - Dumps,Tracks 1&2 Ca = 100$ per 1
      - Dumps,Tracks 1&2 Au = 100$ per 1
      - Dumps,Tracks 1&2 Eu = 110$ per 1

      -Sample Dump + Pin:
      Track1 : B4096663104697113^FORANTO/CHRI STOPHER M^09061012735200521000000 ,
      Track2 : 4096663104697113=0906101273525 21
      Pin : 1783
      ___________________________________________________________

      -WARRANTY time is 10 HOURS. Any cvv purchase over 10 hours can not warranty.
      -If you buy over 30 cvvs, i will sell for you best price.
      -I will discount for you if you are re-seller or you order everyday many on the next day.
      -I will prove to you that I am the best sellers. And make sure you will enjoy doing business with me.
      -I accept PM (Perfect money) ,WU (western union) , BTC (Bitcoins) or Money Gram...

      Contact me
      - Skype: Leads_provider
      - Mail: wuhacker@yahoo.com

      Delete

    3. SKype <<--<- rushr00t000
      Hangout <<--<- hackitbackd00r@gmail.com
      Yahoo mail hackitbackdoor@gmail.com <<--<-


      Reseller Bank login & westerunion bug + credit card + leads

      -i serve all service is depend condition on demand looking a serious buyers
      -I spam as clients demand or sell stolen data in bulk we dont sell one or two accounts
      -must pay for tools or arrive after 3 days into your gmail get step by step
      -also teach spamming carding or logins and tools reseller and google know us anonymously

      --+++-----------+++--
      Prepaid gift card or credit card

      -balance minimum - maximum prize %30 to 40%
      -2000$-5000$ 30$ random 50$ fullz
      -dob ssn mmn gov id including all deatils
      -For any multiple countrys bins we spam as demand

      --+++-----------+++--
      westerunion bug transfer fees

      -1000$ in 200$
      -2000$ in 400$
      -3000$ in 300$

      --+++-----------+++--
      spamming tools

      -random cpnal 6$
      -cpnal http secure 25$
      -shell 15$
      -random shell 5$
      -random smtp 12$
      -unlimted blast smtp 35$
      -mailer 4$
      -unlimted blast mailer 25$
      -webmailer 5$
      -unlimted blast webmailer 15$
      -simple scam-page 30$
      -Latter 10$
      -script scam-page any bank or cc 70$
      -ceo or cfo leads bulk 50k 30$

      --+++-----------+++--
      carding tools

      -rdp 40$
      -vip72 45$ unlimted
      -socks 35$

      --+++-----------+++--
      Virus Builder crupter

      -keyloger 40$
      -stealer 50$
      -zeus trojan 80$
      -rat 60$
      -slinet crupter 70$
      -builder 30$
      -privet virus hosting one month 50$

      --+++-----------+++--
      reseller R00ts vps Host

      -whm script Crack 250$
      -whm cpnal unlimted 6 month 150$
      -scanner r00t unlimted 3 month 60$
      -whm linux r00ts 140$
      -normal r00t 40$ to 70$ limited Bandwidth
      -rdp vps 120$ limited Bandwidth 10 country
      -smtp server 110$ unlimted 1 year

      --+++-----------+++--
      linux privet scanners

      SSH Brute Force scaner: 200$ (windows based) (ssh roots or required for run)
      smtp scanner : 350$ (linux bassed) (ssh/root required for run )
      rdp scnnaer : 400$ (linux bassed) (ssh/root required for run)
      Smtp+rdp multi scanner : 600$ (linux bassed) (ssh/root required for run)
      cpanel scanner : 500$ (linux bassed) (ssh/root + 10 cpanel or shell required for run)
      root scanner : 800$ (linux bassed) (ssh/root required for run)

      --+++-----------+++--
      Scanner windows based

      -any crack softwere or script 300$
      -valn sql injection 3pack solution 140$
      -http port scanner 150$
      -smtp port scanner 140$
      -ftp scanner 120$
      -user pass bruter 150$

      --+++-----------+++--
      contact us--

      SKype <<--<- rushr00t000
      Hangout <<--<- hackitbackd00r@gmail.com
      Yahoo mail hackitbackdoor@gmail.com <<--<-

      Delete
    4. Hello Guys

      Contact for BTC Purchasing / Selling, Hacking Facebook / Whatsapp / Instagram / Gmail

      We provide you all type of products.

      Hacking Stuff
      Wire Bank Transfer
      Western Union
      BTC Purchasing
      Key Logger
      Scam Pages
      Spaming
      coding
      Carding
      Credit Card (cc) for sale
      Randome CC for sale
      Fullz for sale
      Bank logins with High Balance selling
      Wellsfargo
      BOA
      Natwest
      Teaching
      IDM Crack
      GMAIL / Facebook
      Whatsapp / Instagram
      WiFi Hacking

      We are also teaching all type of Hacking within a few days.

      Only serious / needy people contact us.

      Support 24/7

      Email- topley994@gmail.com

      Delete
    5. Selling good and fresh cvv fullz

      track 1 and 2 with pin

      bank login

      bank transfer

      writing cheques

      transfer to cc ...

      Sell Fresh CVV - Western Union Transfer - Bank Login - Card Dumps - Paypal - Ship

      Fresh Cards. Selling Dumps, Cvvs, Fullz

      Tickets,Hotels,Credit card topup...Paypal transfer, Mailer,Smtp,western union login,

      Book Flight Online

      SELL CVV GOOD And HACKER BIG CVV GOOD Credit Card

      Fresh Cards. Selling Dumps, Cvvs, Fullz.Tickets,Hotels,Credit cards


      Sell Cvv(cc) - Wu Transfer - Card Dumps - Bank login/paypal

      And many more other hacking services

      contact me : hackerw169@gmail.com
      whatsapp: +1 613-701-6078

      Delete
  2. -- a.t. Expense...USD ..BTC

    BTC to BTC transactions work well, USD to X transactions go through a bad system, this post explains the technical and organization faults ,

    The USD is a token for a poorly designed payment system, therefore you should avoid it when making and accepting payments. This may require you to adjust your saving and spending habits.

    ReplyDelete
  3. I was thinking that the Brazilian payment system was a piece of crap until read this two articles. Here we have a almost instant interbank payment option called TED, between 6 a.m. and 5 p.m., for transactions over BRL 1000, and for less we use the DOC, which pays overnight, both on business days. Those transactions generally costs about BRL 10, but you can have some account types that doesn't even charge for those transactions. In fact, these account types don't even have a monthly fee or subscription payment.

    For transfers to an account in the same bank generally is free and unlimited, also is the usage of the debit card (withdraws have fees after a certain number in a month)

    For business payments, we have the "Boleto", which is issued in one bank and can be paid in any bank, and you don't even need an account to pay, just go to a teller and pay with cash.

    For subscriptions, we have the Automatic Debit system, which a business charge a customer directly on his account, without human intervention. And because a large amount of complains, now banks are implementing the Authorized Direct Debit system, which is automatic, but the account owner can approve/refuse the debit. A Boleto can be registered in this system, so you don't even need the barcode to pay it.


    And checks, that looks like to be widely used in US are practically banned by business here. They were largely used for fraud, and if a business accept a check, it first will cash it out (takes one to five days) and then provide the goods/services.

    I think we Brazilians have a wonderful payment system after all.

    ReplyDelete
  4. Yup - most developed and many developing countries have better payments systems than the US now. Interesting info on Brazil.

    ReplyDelete
  5. I really like your blog. I enjoyed reading your blog and is both educational and interesting.Thanks! Read More

    ReplyDelete
  6. Hello I am jui Islam work as a social media marketing and data entry operator on Fiverr. But i have a problems, my gigs are not on the first page and my sell are not increasing i don't know what is the problems, please take a look of my data entry gig on fiverr and tell me what is the problem!!! I will do 2000 youtube high quality

    ReplyDelete
  7. Most people not bear their banks to order on-line checks as a result of the check prices area unit way too dearly-won. Most of the time the banks merely order the checks for you thru different check printers and price the worth even more.
    check designs

    ReplyDelete
  8. Nice Post! If you’re using your checks for business, don’t worry because there are some people who’ve decided to go for a more formal look by keeping the original design of their checks, except they’ve added a few more helpful information that their clients can use.

    order bank checks

    ReplyDelete
  9. Chexsystems consumer reports can become a serious burden to families and individuals looking to open up a new checking account. Any negative mark, whether minor a major, can prevent a consumer from having a checking or savings account.

    Luckily today, there are many credit unions and banks that are either local or have branches nationwide that are willing to overlook a person's Chexsystems report. A website called "InfoAviator" at http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-open-a-second-chance-checking/ has a large verified list of these financial institutions offering "Fresh Start" and "Second Chance" checking programs that were specially designed for people that had a poor history of managing checking accounts.

    ReplyDelete
  10. Great blog! Bank check designs come in an unlimited array of styles prints and patterns. now you are able to add your own custom designs to checks or even make your own photo checks with customized check designs.Thanks NFL Football Teams

    ReplyDelete
  11. This was the most common way to order checks. Most people no longer go through their banks to order online checks because the check costs are far too expensive.
    reorder-chicks

    ReplyDelete
  12. Bank check styles are available in a limitless array of designs prints and
    patterns. Currently you’re able to add your own custom styles to checks or perhaps create your own image checks with customized check styles.
    ordering checks online

    ReplyDelete
  13. This is very unique services that exkash is offering in the world ever. I am sure that you will enjoy about to hair that. Now suppose that you have money into your wallet and you want to change into real cash.
    NFL Football

    ReplyDelete
  14. As soon as looking to be able to deal insurance, It truly is confusing In the same way in order to what corporation could be the Easiest to help buy your own insurance from. whether or not That isn't bad enough, anyone additionally be asked to decide whether or not to buy the insurance through a great insurance broker or a good insurance company.insurance news

    ReplyDelete
  15. Thanks for such an interesting article here. I was searching for something like that for quite a long time and at last I have found it here.check ordering is much easier and less expensive. Thanks to online world.Click here

    ReplyDelete
  16. Nice blog...A check verification service provides businesses or individuals with either the ability to check the validity of the actual check or draft being presented, or the ability to verify the history of the account holder, or both.Click here

    ReplyDelete
  17. Hi dear, Are you busy? Stop and visit this for to know “How to make money from Online”. If you want make money from online and if you want extra income and relax just visit here.
    ways to make money

    ReplyDelete
  18. It's really a good and useful piece of information regarding bank cheque.Thank you for sharing.
    NFL Football

    ReplyDelete
  19. I really appreciate your efforts to put this information..Customized checks are the latest trend and most preferred by consumers nowadays.order bank checks

    ReplyDelete
  20. That is the excellent mindset, nonetheless is just not help to make every sence whatsoever preaching about that mather. Virtually any method many thanks in addition to i had endeavor to promote your own article in to delicius nevertheless it is apparently a dilemma using your information sites can you please recheck the idea. thanks once more.
    BitBitcoin Australiacoin Australia

    ReplyDelete

  21. wow! Thanks for this great information. I have also seen another good article about making quickly integrated payments and tracking them too. Check out this one Visit now https://www.workspoke.com/

    ReplyDelete
  22. I’m student of BBA and studied banking & finance as subject, now I’m thinking about to choose it as specialized subjects. My personal interest is in banking, which is allowing me to go through it. Thanks for sharing such an informative post. Keep it up.

    ReplyDelete
  23. Hello All
    I'm offering following hacking services
    ..hacking Tools
    ..Spamming Tools
    ..Scam pages
    ..spam tools scanners make your own tools
    ..Keyloggers+fud+xploits

    Other hacking svs
    ..Western union Trf
    ..wire bank trf
    ..credit / debit cards
    ..Perfect Money / Bintcoing adders
    ..email hacking /tracing
    ..Mobile hacking / mobile spam

    Fake peoples have just words to scam peoples
    they just cover their self that they are hacker
    but when you ask them a questions they don't have answer
    they don't have even knowledge what is hacking
    am dealing with real peoples who interested and honest
    also teaching hacking subjects in reasonable price
    with private tools and proof.

    Availability 24/7 contact only given below addresses
    salvrosti@gmail.com
    salvrosti@yahoo.com
    Icq: 718684828
    Skype: live:Salvrosti

    ReplyDelete
  24. This comment has been removed by the author.

    ReplyDelete
  25. This is a truly good site post. Not too many people would actually, the way you just did. I am really impressed that there is so much information about this subject that have been uncovered and you’ve done your best, with so much class. If wanted to know more about green smoke reviews, than by all means come in and check our stuff. crowdfunding cryptocurrency

    ReplyDelete
  26. Cyberprofessionalhacker is the real hacker out there, please be careful of imposters.
    they are somany hackers who claim to be what they are not.
    i have been ripped off twice by this so called hackers. please be careful
    if you need an hacker mail (cyberprofessionalhacker@gmail.com), they work effectively,
    i can testify to that. mail them today and you will get your work done (+1) 973-547-9527

    ReplyDelete
  27. This comment has been removed by the author.

    ReplyDelete
  28. Hello All
    I'm offering following hacking services

    ..Western union Trf
    ..wire bank trf
    ..credit / debit cards
    ..Perfect Money / Bintcoing adders
    ..email hacking /tracing
    ..Mobile hacking / mobile spam

    ..hacking Tools
    ..Spamming Tools
    ..Scam pages
    ..spam tools scanners make your own tools
    ..Keyloggers+fud+xploits


    Fake peoples have just words to scam peoples
    they just cover their self that they are hacker
    but when you ask them a questions they don't have answer
    they don't have even knowledge what is hacking
    am dealing with real peoples who interested and honest
    also teaching hacking subjects in reasonable price
    with private tools and proof.

    Availability 24/7 contact only given below addresses
    salvrosti@gmail.com
    Icq: 718684828
    Skype: live:Salvrosti@gmail.com

    ReplyDelete
  29. ********** Welcome to Shop ************

    HI ALL NEW CLIENT
    IM BIG HACKER GOOD
    - I'm is Professional seller,more than 8 years experience,i have sold cvv credit card to many customers all over the world.
    - Selling cvv, fullz many country as: Canada,USA,Australia,UK...all And many country in Europe: Fr,Ger,Spain,Ita...
    - I hope we will work together for a long time.
    - Always sell cvv quality with high balance.

    Contact me:
    - Y!m : wuhacker
    - Mail: wuhacker@yahoo.com

    ___________________ CCV !! CCN ______________________

    List cc and my price..

    - Us (Visa,Master) = 5$ per 1
    - Us (Amex,Dis) = 6$ per 1
    - Us Bin 10$ , US Dob 15$
    - Us fullz info = 25$ per 1
    --------------------------------
    - Uk (Visa,Master) = 10$ per 1
    - Uk (Amex,Dis) = 15$ per 1
    - Uk Bin 15$ , UK Dob 20$
    - Uk fullz info = 30$ per 1
    --------------------------------
    - Ca (Visa,Master) = 15$ per 1
    - Ca (Amex,Dis) = 20$ per 1
    - Ca Bin 15$ , CA Dob 20$
    - Ca fullz info = 30$ per 1
    --------------------------------
    - Au (Visa,Master) = 15$ per 1
    - Au (Amex,Dis) = 20$ per 1
    - Au Bin 17$ , AU Dob 25$
    - Au fullz info = 30$ per 1
    --------------------------------
    - Eu (Visa,Master) = 20$ per 1
    - Eu (Amex,Dis) = 23$ per 1
    - Eu Bin 25$ , AU Dob 30$
    - Eu fullz info = 40$ per 1
    --------------------------------
    - RDP = 20$
    - SMTP = 25$ ( All Country )
    - Italy = 20$ per 1 (fullz info = 35$)
    - Spain = 20$ per 1 (fullz info = 35$)
    - Denmark = 25$ per1 (fullz info = 35$)
    - Sweden = 20$ per 1 (fullz info = 35$)
    - France = 20$ per 1 (fullz info = 35$)
    - Germany = 20$ per 1 (fullz info = 35$)
    - Ireland = 20$ per 1 (fullz info = 35$)
    - Mexico = 15$ per 1 (fullz info = 30$)
    - Asia = 15$ per 1 (fullz info = 30$)


    ________________ Do WU transfer ______________________

    - 700$ for MTCN 8000$
    - 550$ for MTCN 6000$
    - 400$ for MTCN 4000$
    - 200$ for MTCN 1500$

    __________ Bank Logins Prices US UK CA AU EU _____________

    . Bank Us : ( Bank of america,HALIFAX,BOA,CHASE,Wells Fargo...)
    . Balance 3000$ = 150$
    . Balance 5000$ = 250$
    . Balance 8000$ = 400$
    . Balance 12000$ = 600$
    . Balance 15000$ = 800$
    . Balance 20000$ = 1000$

    - Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)
    . Balance 5000 GBP = 300$
    . Balance 12000 GBP = 600$
    . Balance 16000 GBP = 700$
    . Balance 20000 GBP = 1000$
    . Balance 30000 GBP = 1200$

    __________________ PayPal account _______________________

    = Account PayPal 1500$ = 200$
    = Account PayPal 2500$ = 250$
    = Account PayPal 4000$ = 350$
    = Account PayPal 7000$ = 550$

    _____________ Dumps track 1 track 2 with pin _____________

    - Dumps,Tracks 1&2 Us = 70$ per 1
    - Dumps,Tracks 1&2 UK = 80$ per 1
    - Dumps,Tracks 1&2 Ca = 100$ per 1
    - Dumps,Tracks 1&2 Au = 100$ per 1
    - Dumps,Tracks 1&2 Eu = 110$ per 1

    -Sample Dump + Pin:
    Track1 : B4096663104697113^FORANTO/CHRI STOPHER M^09061012735200521000000 ,
    Track2 : 4096663104697113=0906101273525 21
    Pin : 1783
    ___________________________________________________________

    -WARRANTY time is 10 HOURS. Any cvv purchase over 10 hours can not warranty.
    -If you buy over 30 cvvs, i will sell for you best price.
    -I will discount for you if you are re-seller or you order everyday many on the next day.
    -I will prove to you that I am the best sellers. And make sure you will enjoy doing business with me.
    -I accept PM (Perfect money) ,WU (western union) , BTC (Bitcoins) or Money Gram...

    Contact me
    - Skype: Leads_provider
    - Mail: wuhacker@yahoo.com

    ReplyDelete
  30. Hello All
    I'm offering following hacking services

    ..Western union Trf
    ..wire bank trf
    ..credit / debit cards
    ..Perfect Money / Bintcoing adders
    ..email hacking /tracing
    ..Mobile hacking / mobile spam

    ..hacking Tools
    ..Spamming Tools
    ..Scam pages
    ..spam tools scanners make your own tools
    ..Keyloggers+fud+xploits


    Fake peoples have just words to scam peoples
    they just cover their self that they are hacker
    but when you ask them a questions they don't have answer
    they don't have even knowledge what is hacking
    am dealing with real peoples who interested and honest
    also teaching hacking subjects in reasonable price
    with private tools and proof.

    Availability 24/7 contact only given below addresses
    Hackwizards670@gmail.com

    ReplyDelete
  31. I sincerely didn’t like the idea, but this is my way of saying thank you to the Quora user that recommended a hacker (ETHICALHACKERS009@GMAIL.COM)


    I hired him for a very private and difficult matter of helping me hack a my spouse’s phone and social networks and some other personal stuffs and he far exceeded my expectations. which Jeremie, helped me get the info(whatsapp, facebook, text messages, call logs etc) faster and cheaper than I had imagined. The first time we spoke, we had a very long phone consultation in he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. he is a fantastic investigator and a great person. If you need a professional, reliable and efficient hacker, then you should contact this guy ; ETHICALHACKERS009@GMAIL.COM
    Y ou can also call him or send him a text +16692252253 INSTAGRAM ETHICALHACKERS009

    ReplyDelete
  32. ********** Welcome to Shop ************

    HI ALL NEW CLIENT
    IM BIG HACKER GOOD
    - I'm is Professional seller,more than 8 years experience,i have sold cvv credit card to many customers all over the world.
    - Selling cvv, fullz many country as: Canada,USA,Australia,UK...all And many country in Europe: Fr,Ger,Spain,Ita...
    - I hope we will work together for a long time.
    - Always sell cvv quality with high balance.

    Contact me:
    - Y!m : wuhacker
    - Mail: wuhacker@yahoo.com

    ___________________ CCV !! CCN ______________________

    List cc and my price..

    - Us (Visa,Master) = 5$ per 1
    - Us (Amex,Dis) = 6$ per 1
    - Us Bin 10$ , US Dob 15$
    - Us fullz info = 25$ per 1
    --------------------------------
    - Uk (Visa,Master) = 10$ per 1
    - Uk (Amex,Dis) = 15$ per 1
    - Uk Bin 15$ , UK Dob 20$
    - Uk fullz info = 30$ per 1
    --------------------------------
    - Ca (Visa,Master) = 15$ per 1
    - Ca (Amex,Dis) = 20$ per 1
    - Ca Bin 15$ , CA Dob 20$
    - Ca fullz info = 30$ per 1
    --------------------------------
    - Au (Visa,Master) = 15$ per 1
    - Au (Amex,Dis) = 20$ per 1
    - Au Bin 17$ , AU Dob 25$
    - Au fullz info = 30$ per 1
    --------------------------------
    - Eu (Visa,Master) = 20$ per 1
    - Eu (Amex,Dis) = 23$ per 1
    - Eu Bin 25$ , AU Dob 30$
    - Eu fullz info = 40$ per 1
    --------------------------------
    - RDP = 20$
    - SMTP = 25$ ( All Country )
    - Italy = 20$ per 1 (fullz info = 35$)
    - Spain = 20$ per 1 (fullz info = 35$)
    - Denmark = 25$ per1 (fullz info = 35$)
    - Sweden = 20$ per 1 (fullz info = 35$)
    - France = 20$ per 1 (fullz info = 35$)
    - Germany = 20$ per 1 (fullz info = 35$)
    - Ireland = 20$ per 1 (fullz info = 35$)
    - Mexico = 15$ per 1 (fullz info = 30$)
    - Asia = 15$ per 1 (fullz info = 30$)


    ________________ Do WU transfer ______________________

    - 700$ for MTCN 8000$
    - 550$ for MTCN 6000$
    - 400$ for MTCN 4000$
    - 200$ for MTCN 1500$

    __________ Bank Logins Prices US UK CA AU EU _____________

    . Bank Us : ( Bank of america,HALIFAX,BOA,CHASE,Wells Fargo...)
    . Balance 3000$ = 150$
    . Balance 5000$ = 250$
    . Balance 8000$ = 400$
    . Balance 12000$ = 600$
    . Balance 15000$ = 800$
    . Balance 20000$ = 1000$

    - Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)
    . Balance 5000 GBP = 300$
    . Balance 12000 GBP = 600$
    . Balance 16000 GBP = 700$
    . Balance 20000 GBP = 1000$
    . Balance 30000 GBP = 1200$

    __________________ PayPal account _______________________

    = Account PayPal 1500$ = 200$
    = Account PayPal 2500$ = 250$
    = Account PayPal 4000$ = 350$
    = Account PayPal 7000$ = 550$

    _____________ Dumps track 1 track 2 with pin _____________

    - Dumps,Tracks 1&2 Us = 70$ per 1
    - Dumps,Tracks 1&2 UK = 80$ per 1
    - Dumps,Tracks 1&2 Ca = 100$ per 1
    - Dumps,Tracks 1&2 Au = 100$ per 1
    - Dumps,Tracks 1&2 Eu = 110$ per 1

    -Sample Dump + Pin:
    Track1 : B4096663104697113^FORANTO/CHRI STOPHER M^09061012735200521000000 ,
    Track2 : 4096663104697113=0906101273525 21
    Pin : 1783
    ___________________________________________________________

    -WARRANTY time is 10 HOURS. Any cvv purchase over 10 hours can not warranty.
    -If you buy over 30 cvvs, i will sell for you best price.
    -I will discount for you if you are re-seller or you order everyday many on the next day.
    -I will prove to you that I am the best sellers. And make sure you will enjoy doing business with me.
    -I accept PM (Perfect money) ,WU (western union) , BTC (Bitcoins) or Money Gram...

    Contact me
    - Skype: Leads_provider
    - Mail: wuhacker@yahoo.com

    ReplyDelete

  33. My life was falling apart, I was being cheated and abused, I had to know the truth and needed proof. i saw a
    recommendation about a private investigator cyberprofessionalhacker@gmail.com by a friend. i contacted them and they
    took care of my needs. they hacked his iphone and gave me all information in his facebook,instagram, Whatsapp,
    twitter and email account. I got all I wanted as proof .
    I am glad i had a proven truth he was cheating.Contact them if you need help.

    ReplyDelete
  34. I appreciate Hack Ethics for helping me recover my stolen funds 750,000 GBP from Binary Brokers within 24 hours. Contact him - hackethics008@gmail.com to help you for any desired Hacking Services. Hack Ethics is an experienced Private Hacking Organization with a spare master key that no one has. He can help you recover your lost or stolen funds from any Binary Platform also help recover your stolen or lost BTC or ETH. Stop being scammed by fake hackers. Hire a Ethical Hacking group who are professional and real. Specialized in different Hacking Services some of his most popular hacking services or social network and know if your partner is cheating on you hack into your partner's phone. Hack Ethics render services within 24 hours. Contact - hackethics008@gmail.com. He can help you recover your lost binary BTC , TBC, ETH and every other stolen funds within 24 hours.

    ReplyDelete
  35. Stop being scammed by fake hackers and Binary Brokers. Hire a Ethical Hacking group who are professional and real. You might be curious that what hacking group services can provide? .. If you hire a hacker, you always have worried of losing your money. We won't keep a cent if can't do your job. 100% refund if job is not completed. Hacking Services that you will find here at: hackethics008@gmail.com are custom to fit your hacking needs... A professional and experienced hacker providing hacking services for a variety of client needs. Specialize in many different Hacking Services some of my most popular hacking services OR SOCIAL NETWORK AND KNOW IF YOUR PARTNER IS CHEATING ON YOU HACK INTO YOUR PARTNER'S PHONE PICS, TEXT MESSAGE AND LISTEN TO CALLS TO KNOW IF HE IS CHEATING UNTRACEABLE INTERNET. HACK ETHICS RENDER WITHIN 24 hours. Contact us at - hackethics008@gmail.com. We are totally secured and your security comes first.

    .- Stolen funds recovery from any Binary platform which takes just within 24 hours.
    -Change School Grade
    . Bank jobs Lost BTC, TBC and ETH recovery
    . Hack and control any robot
    . Database hack
    . Remove Criminal Records
    1-facebook hack
    2-gmail hack
    3-whatsapp hack
    4-website hack
    5-tracking calls
    6-online hacking lectures
    7-phone clone
    8-online records changes
    9-retrival of hacked social media accounts
    10- university grades
    11- android and iphone hack
    12- twitter hack
    13- any website hack
    If you are looking for a professional Hacker that specialized in genuine hacking services. Contact our email - hackethics008@gmail.com.

    WE CAN HELP YOU TRACE THE ACTUAL LOCATION OF THE PERSON AND DO WHATEVER YOU REQUEST TO THE PERSONS COMPUTER IS ANYONE BLACKMAILING YOU ONLINE AND YOU WANT US TO GET INTO THEIR COMPUTER AND DESTROY DATA AND EVIDENCES AGAINST YOU? If you need a hacking service that is not listed, feel free to contact me at: hackethics008@gmail.com

    ReplyDelete
  36. Live price charts and market data for cryptocurrencies.

    ReplyDelete
  37. I cannot over emphasize the professionalism of CYBERHACKPROS@GMAIL.COM I have spent several hours monitoring my husband and his co-worker flirting literally and there has not been any technical malfunctions. I have been able to monitor all his communications with his girlfriend and I can see clearly that he has alot of them, he must be a devil, because I dont understand how he still comes home to tell me he loves me.. I have never been this dissapointed and sad in my life before. I really want to thank my stars I took courage to contact him and for all his tender kindness towards assisting me and giving me exactly what I requested for in the hack. You can also take a bold step to contact him and find out about your cheating spouce.

    ReplyDelete
  38. I cannot over emphasize the professionalism of CYBERHACKPROS@GMAIL.COM I have spent several hours monitoring my husband and his co-worker flirting literally and there has not been any technical malfunctions. I have been able to monitor all his communications with his girlfriend and I can see clearly that he has alot of them, he must be a devil, because I dont understand how he still comes home to tell me he loves me.. I have never been this dissapointed and sad in my life before. I really want to thank my stars I took courage to contact him and for all his tender kindness towards assisting me and giving me exactly what I requested for in the hack. You can also take a bold step to contact him and find out about your cheating spouce.

    ReplyDelete
  39. Hello Guys

    Contact for BTC Purchasing / Selling, Hacking Facebook / Whatsapp / Instagram / Gmail

    We provide you all type of products.

    Hacking Stuff
    Wire Bank Transfer
    Western Union
    BTC Purchasing
    Key Logger
    Scam Pages
    Spaming
    coding
    Carding
    Credit Card (cc) for sale
    Randome CC for sale
    Fullz for sale
    Bank logins with High Balance selling
    Wellsfargo
    BOA
    Natwest
    Teaching
    IDM Crack
    GMAIL / Facebook
    Whatsapp / Instagram
    WiFi Hacking

    We are also teaching all type of Hacking within a few days.

    Only serious / needy people contact us.

    Support 24/7

    Email- topley994@gmail.com

    ReplyDelete
  40. i usually don't do this but this is me keeping to my word ,testifying to the good works of the hack group QUADHACKED G M A I L . C O M . they helped me fix my credit . i had history of late payment, had a repossession and few collections. this damped my credit score i was scoring i acquired on my downtime while i was struggling. this affected my finances so bad i had blemishing lurking on my report for years . i started tackling each one buy one and on one occasion i paid $5000 once in clearing a debt and even pay advances for some. this didn't move my score an inch as i proposed and needed . i was seeking a mortgage loan and needed over a +100 units in credit score increase . i promised i will share on few blogs if he could help me with this . of course he did and helped several others i recommended to him. hence i'm sharing their contact email address which you can send a message of the financial hole you are in and other related ethical hack jobs.

    contact email

    Q U A D H A C K E D _at_ G MA I L . COM

    ReplyDelete
  41. Excellent and professional investigative services. I hired Mr Frank for a very private and difficult matter of hacking my husband's phone, and he far exceeded my expectations. He helped me get the info(whatsapp, facebook, text messages, call logs etc) I needed faster and cheaper than I had imagined. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person and if you have a dishonest partner don't hesitate to send him a mail Contact: frankthegreathacker at g mail dot com. Eva Tito REFERRED YOU

    ReplyDelete
  42. Hey if you ever need to get into your spouse’s account, improve credit points, Blank ATMs, bank account hack,full mobile phone hack, trace locations, home or office monitoring camera hack, clear criminal records,tax, protection from spyware or simply have a score to settle or any other issues that need addressing, completely secure and fast!! I have been in desperate need of a genuine hacker for a very long time, throughout my search i came across quite a good number of fakes who ripped me. As time goes on I came across a woman’s post called Katie Russell commenting about a Hacker called Kenny BlackHat and I made up my mind to try for the last time or forget about everything that was when I met a good and trusted hacker ever since 8months of my research. very efficient and fast hacker and believe me I never expected him to be different an he didn’t talk much than to do his job and get paid. Do mention the name Daniel Ward , contact him at, kennyblackhat at hackermail dot com when contacting him he can be very wary which is very understandable good luck. text him on 717-388-3985

    ReplyDelete
  43. I met this wonderful hacker that offers hacking services. Some of their services are: - Get any
    password from any Email Address. - Get any password from any Face-book, Twitter
    or Instagram account. - Cell phone hacking (whatsapp, viber, line, wechat,wire
    wire transfer Western union/money gram etc) - Grades changes (institutes and
    universities) Blank ATM - Websites hacking, pen-testing. - IP addresses and
    people tracking. - Hacking courses and classes. their services are the best on
    the market and 100% secure and discreet guaranteed. Just write them and ask for
    your desired service: EMAIL ADDRESS: cyberhackingspecialist AT GMAIL DOT
    COM or text +15165312529

    ReplyDelete
  44. Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan Amount Needed:
    - Loan Duration:
    - Purpose Of Loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: EllinasFinances@gmail.com ,,,

    ReplyDelete
  45. I'm so happy to share to you how I got my blank atm card from MR CLIFFORD. My blank ATM card can withdraw a maximum amount of $40,000 daily. I got it from Him last week and now I have $ 550,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on really happy with MR CLIFFORD because two people took my money not knowing that they were scams. But happy now.MR CLIFFORD sent the card through DHL and I got it in two days. Get your own card from him now he's not scammer pretending to have the ATM card, he's giving it out for free illegal but it helps a lot and no one ever gets caught. I'm grateful to MR CLIFFORD because he changed my story all of the best . MR CLIFFORD'S email address is (cliffordhackerspays@gmail.com)....

    ReplyDelete
  46. Hello Guys

    Contact for BTC Purchasing / Selling, Hacking Facebook / Whatsapp / Instagram / Gmail

    We provide you all type of products.

    Hacking Stuff
    Wire Bank Transfer
    Western Union
    BTC Purchasing
    Key Logger
    Scam Pages
    Spamming
    coding
    Carding
    Credit Card (cc) for sale
    Random CC for sale
    Fullz for sale
    Bank logins with High Balance selling
    Wellsfargo
    BOA
    Natwest
    Teaching
    IDM Crack
    GMAIL / Facebook
    Whatsapp / Instagram
    WiFi Hacking

    We are also teaching all type of Hacking within a few days.

    Only serious / needy people contact us.

    Support 24/7

    Email- topley994@gmail.com

    ReplyDelete
  47. After multiple credit denials for even secured credit cards, the hacker CREDIT LORD took a chance on us and helped us in every way possible. . Through his help, we have been able to re-establish our profile and improve our scores by 300 points in the past week . We both now have scores of 750s and 762s respectively. We were able to recently secure a lease for a new car which would not have been possible if it wasn't for CREDIT LORD taking a chance. I would recommend his services to anyone looking to re-establish his/her credit. We hit rock bottom after our bankruptcy and didn't see any way out of the hole we had dug. 
    Thank you for taking a chance on us. Thank you for giving us the opportunity to demonstrate the ability to be responsible again. The Hacker was going to be our last hope to get our credit fixed. If we hadn't been helped out of our situation I know we wouldn't have a safe, reliable vehicle for our 3 beautiful children. Thank you again for taking a chance. You can contact him via CREDITLORD@MAIL.RU

    ReplyDelete
  48. My family has always been the most important thing to me. I was married, owned a home and had four kids. I was living the American dream until, one day, it came crashing down. My husband and I got a divorce and although I tried to stay afloat, debt seemed to overtake everything. The house I worked so hard to keep was foreclosed on and I was suffocating in bills. I filed for bankruptcy as a last resort, but still worried about how I would rebuild my credit. I got in touch with CREDIT FIXER and within 7 days he got my credit fixed, removed bankruptcy, debts, collections and hard inquiries from my credit report with his ethical hacking skills.
    I am now remarried. We are adopting my spouse’s nephew who has been with us since he was two days-old and my oldest son has started his first year of college. None of these major life changes have been easy or cheap, but having my credit rebuilt has helped make these changes possible for my family. Thanks to CREDIT FIXER , I believe the American Dream is possible and I am excited to see what the future holds. For your credit repairs I recommend you contact CREDITFIXER@MAIL.RU or call +15068008261

    ReplyDelete
  49. Over the last several years my family and I have been hit hard: We had to file bankruptcy due to the housing market crash, move out of state, I had to change my career, and our daughter beat cancer at the age of 5. 
    If it weren’t for the hacker WESTHIVE taking a chance on us and giving us a chance to start rebuilding our credit, then my family and I wouldn't have been able to rebuild ourselves and financially recover from all the challenges we have overcome. The hacker WESTHIVE has been understanding and supportive of our needs. Thank you. Contact him via WESTHIVE@MAIL.RU

    ReplyDelete
  50. As a divorced woman in my 50s, I had many things, fear and insecurity among them, as well as a limited knowledge of how credit worked since my husband always took care of our finances. The hacker FORD BLAZE took a chance on me, he helped remove all negative items on my credit report, collections including hard inquiries. My credit score went up drastically. 
    Thank you FORDBLAZE for your keen eye and expert handling of what could have been a disastrous situation. You have proven your loyalty to me, now it's my turn to do the same for you. You all should contact via FORDBLAZE@MAIL.RU

    ReplyDelete
  51. I remember starting my credit journey and thinking it sounded like an easy concept as it was explained by my first bank: use what I needed, pay it back accordingly, and repeat. Then, like it does for most people, life showed just how unpredictable it could be. Everything from losing my job to not being able to afford my car payments, student loans to medical emergencies and even regular life stuff ran me ragged. I got to a point where I couldn't get any credit or loans or help. I couldn't believe how difficult banks or even local credit unions made it to build my credit back up. 
    I proposed to my girlfriend a year and a half ago and didn't know how we'd pay for a wedding, get our own place, and a few other things. About the same time, a friend recommended the hacker CYBORGUNLEASH to help and I got a chance at redemption. With help from the hacker, my credit score was increased within 10 days and now we are about to close on our first home. Thanks CYBORGUNLEASH. Contact him via CYBORGUNLEASH@MAIL.RU or call +16787866844

    ReplyDelete
  52. Hello Guys

    Contact for BTC Purchasing / Selling, Hacking Facebook / Whatsapp / Instagram / Gmail

    We provide you all type of products.

    Hacking Stuff
    Wire Bank Transfer
    Western Union
    BTC Purchasing
    Key Logger
    Scam Pages
    Spamming
    coding
    Carding
    Credit Card (cc) for sale
    Random CC for sale
    Fullz for sale
    Bank logins with High Balance selling
    Wellsfargo
    BOA
    Natwest
    Teaching
    IDM Crack
    GMAIL / Facebook
    Whatsapp / Instagram
    WiFi Hacking

    We are also teaching all type of Hacking within a few days.

    Only serious / needy people contact us.

    Support 24/7

    Email- topley994@gmail.com

    ReplyDelete
  53. I have to testify and keep to my word ,this is testifying to the good works of the hack group ORACLEBASE. They helped me fix my credit. It was formerly a mess, i had history of late payments, had a repossession and few collections. This dented my credit score all acquired in my downtime while i was struggling, it affected my finances so bad i had blemishes lurking on my report for years . I started tackling my negative credit listings each one by one and on one occasion i paid $5000 once in clearing a debt and even paid cash advances to credit fixers and hackers for my credit turn over but it didn't move my score an inch. I was seeking a mortgage loan and needed over a near +250 units in credit score increase. I promised i would share on any social platform and blogs i can lay on hands on if he could help me with this and of course he did and helped several others i subsequently recommended to him. Hence i'm sharing their contact (EMAIL:ORACLEBASE@SOLUTION4U.COM TEXT/CALL: +415 483-0588) which you can send a message about the financial hole you are in and other related ethical hack jobs.

    ReplyDelete
  54. Great post!!Thanks for sharing it with us....really needed.Find your Bank Important Things To Remember About Personalized Bank Checks With Pictures. When you decide to open a personal checking account, you will get the opportunity to pay using bank or personal checks.Reorder checks online

    ReplyDelete
  55. I met a Trusted Certified Binary Options Recovery Expert through there happy again client's recovery reviews that they've recently helped to put smiles back on their faces after been cheated and scammed of their hard earned money . I invested with four binary companies and lost all of my investments totalling £720,000 Then I was contacted by someone offering help – a company who specializes in binary recovery. I was scammed by them again. By the end of it all I had lost all of my savings and I was in serious debt. I was desperate for help and that made me vulnerable to recovery scams. My husband is not around anymore and I have an 8 year old son with learning difficulties. The pressure of being a single, working mother with a child who needs so much additional attention and support became overwhelming for me. I also felt too traumatized to trust anyone else and I was very afraid, but I had no choice other than to trust Viapreferred@GMAIL.COM. He has been incredibly helpful and supportive and also very understanding about all of my fear and concerns he helped recover all of my funds back within a week using unethical means OR SKYPE contact - Parker joas . I really hope that others do not have to go through what I did, and I wish that I had realized before things were so bad that I was being scammed.

    ReplyDelete
  56. I would like to first thank CYBERGEEK for your service. Thanks to your heroic input I now have my credit back on track. I know I could not have done it without your help. Credit repair companies i signed up with in the past did so little, i was screwed for a long time and continually got turned down on loan and credit applications. Then you were recommended to me by a lady who is your regular client. The money I paid for your services has paid for itself by the great low interest rates I now get. I have told all my friends who are in the same situation that they need to sign up too! My credit is great and for all the newcomers: Yes, there is a light at the end of the tunnel! Go ahead and touch base with the fixer via {THECYBERGEEK@MAIL.RU & (615) 988-5703}

    ReplyDelete
  57. I would have thought it impossible until i was a beneficiary, I met a credit repair hacker online who helped me get my problems off my neck. I was in the depths of despair. I applied for a mortgage loan through Navy Federal and was denied. I found the home I wanted and time is of the essence. I needed my credit repaired urgently since I found the new property. I had lots of charge offs, late payments, repo, and student loans. I needed the negatives all removed. I was overjoyed to see the excellent changes GODFINGER made on my credit report. Now I can provide shelter for my family. I am the happiest man right now. Do reach him for help via these channels GODFINGER@TECHIE.COM +1 615 861 7608 and he will definitely solve your credit becaue in juat 5 days my cousin is already seeing positive changes to his credit profile after i referred the hacker to him.

    ReplyDelete
  58. Exchange your bitcoin direclty to your payoneer master card instantly with Bitcoinscashout.com, Sell bitcoin and
    receive cash into your payoneer ATM Card


    bank of america card activation

    ReplyDelete
  59. Access your credit card account online to manage your finances with our Online Banking portal. View balances, make payments, set up account alerts and much

    US Bank Debit Card Activation

    ReplyDelete
  60. Accuity serves as the official routing numbers registrar for the American Bankers ... institution which is eligible to maintain an account at a Federal Reserve Bank.


    Bank of America (BofA) Routing Numbers - AZ, CA, FL, GA, IL, NJ, NY

    Bank of America Routing Number TX, AZ, CA, FL, GA, IL, NJ, NY, WA

    ReplyDelete
  61. Hello everyone, need hacking services? Be warned, most of these so called hackers here are impostors, I know how real hackers work, they never advertise themselves in such a credulous manner and they are always discrete. I have been ripped off so many times so from experience I know pretty much how they work..Eventually my zeal to solve my issue paid off when a friend of mine introduced me to his hacker friend, his professionalism is top class..He hacks from destroying data and evidence against you, changing school and university grades, FIXING YOUR CREDIT REPORT, hacking into your cheating spouse phone, cleaning your driving and criminal records to someone who is trying to blackmail you and etc..Give him a shot and thank me later..My name is Webber..mail him:::: FORDBLAZE@MAIL.RU

    ReplyDelete
  62. Hello Guys

    Contact for BTC Purchasing / Selling, Hacking Facebook / Whatsapp / Instagram / Gmail

    We provide you all type of products.

    Hacking Stuff
    Wire Bank Transfer
    Western Union
    BTC Purchasing
    Key Logger
    Scam Pages
    Spaming
    coding
    Carding
    Credit Card (cc) for sale
    Randome CC for sale
    Fullz for sale
    Bank logins with High Balance selling
    Wellsfargo
    BOA
    Natwest
    Teaching
    IDM Crack
    GMAIL / Facebook
    Whatsapp / Instagram
    WiFi Hacking

    We are also teaching all type of Hacking within a few days.

    Only serious / needy people contact us.

    Support 24/7

    Email- topley994@gmail.com

    ReplyDelete
  63. Honestly speaking, getting a genuine hacker is very rare... but my classmates Corporation has assembled the finest hackers in London, Texas and mostly his Cambridge colleagues .They show proof of their authenticity. Contact them at jamiehacking99@gmail.com or text them at +1 682-710-6833.

    ReplyDelete
  64. Selling good and fresh cvv fullz

    track 1 and 2 with pin

    bank login

    bank transfer

    writing cheques

    transfer to cc ...

    Sell Fresh CVV - Western Union Transfer - Bank Login - Card Dumps - Paypal - Ship

    Fresh Cards. Selling Dumps, Cvvs, Fullz

    Tickets,Hotels,Credit card topup...Paypal transfer, Mailer,Smtp,western union login,

    Book Flight Online

    SELL CVV GOOD And HACKER BIG CVV GOOD Credit Card

    Fresh Cards. Selling Dumps, Cvvs, Fullz.Tickets,Hotels,Credit cards


    Sell Cvv(cc) - Wu Transfer - Card Dumps - Bank login/paypal

    And many more other hacking services

    contact me : hackerw169@gmail.com
    whatsapp: +1 613-701-6078


    - I have account paypal with good balance

    - I hope u good customers and will be long-term cooperation


    Prices WesternUnion Online Transfer


    -Transfer(Eu,Uk,Asia,Canada,Us,France,Germany,Italy and very

    easy to do African)

    - 200$ = 1500$ (MTCN and sender name + country sender)

    - 250$ = 4000$ (MTCN and sender name + country sender)

    - 400$ = 6000$ (MTCN and sender name + country sender)

    - 500$ = 8000$ (MTCN and sender name + country sender)

    Then i will do transfer's for you, After about 30 mins you'll have

    MTCN and sender name + country sender


    - Dumps prices

    - Tracks 1&2 US = 85$ per 1

    - Tracks 1&2 UK = 100$ per 1

    - Tracks 1&2 CA / AU = 110$ per 1

    - Tracks 1&2 EU = 120$ per 1


    Bank Logins Prices US UK CA AU EU


    - Bank Us : ( HALIFAX,BOA,CHASE,Wells Fargo...)

    . Balance 5000$ = 250$

    . Balance 8000$ = 400$

    . Balance 12000$ = 600$

    . Balance 15000$ = 800$

    . Balance 20000$ = 1000$

    - Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)

    . Balance 5000 GBP = 300 GBP

    . Balance 12000 GBP = 600 GBP

    . Balance 16000 GBP = 700 GBP

    . Balance 20000 GBP = 1000 GBP

    . Balance 30000 GBP = 1200 GBP


    contact me : hackerw169@gmail.com
    whatsapp: +1 613-701-6078

    ReplyDelete
  65. He is the best when it comes to hacking. he pictured the best for you who actually needs his help, be careful of whom you contact to help you, he is a special hack which have is own ways of hacking that nobody has ever imagine in this hacking world with his spare idea he can hack anything. he is totally secured and your security comes first. Hacking a website is a job for a pro like Arnoldtroy@inbox.ru
    A-Change school grade. Bank jobs, flipping cash hack and control any robot.
    B-Database hack. Remove criminal records. facebook hack, CREDIT REPORT FIX
    C-gmail hack
    D-whatsapp hack
    E-website hack
    F-tracking calls
    G-online hacking lectures
    H-Cloning of phones
    I-online records changes
    J-Twitter hack

    He is a very experienced hacker, he is at your service, and he makes all hacking jobs successful. his work is 100% guaranteed. he is here to put a smile upon every sad faces. contact him at Arnoldtroy@inbox.ru

    ReplyDelete
  66. Probably I’m not the only who’ll love to keep a tab on my husband; knowing what he does on his phone and PC as well as his social media activities. Well I can only say CASTLEGURU@MAIL.RU is a reliable hacker/private investigator who handles such jobs with precision. Surprisingly, he offers a 24-hours total refund if you find his services unsatisfactory but he delivered way more than I expected. I’ll gladly list a couple of services he offers:
    +Upgrade University Grades
    
+Facebook, Instagram, Twitter, Whatsapp, Line, Skype Hack
    
+Delete unwanted online Pictures and Videos on any website
    
+Remove Criminal Records
    
+Hack bank accounts
    
+Apps hacking
    
+increase your credit score
    
+increase your credit card limit
    
_ wipe your credit card debts
    
+Mastercard, Paypal, Bitcoin, WU, Money Gram with untraceable
credit on it etc.
    
+He also develop hacked facebook, twitter, instagram, yahoo,
gmail passwords etc.quite sure he’s into many more. You can’t underestimate what he can do for you. You might really wanna consider contacting him today. He’s definitely going to be of great help

    ReplyDelete
  67. i am maxwel graham, i live in the uk, with ethicalaid.com i got $15,000, they are very trusted and reliable

    ReplyDelete
  68. WESTERN UNION TRANSFER
    Best hackers for western union and bank transfers! We Have the only V.I.P high limit Western Union Hack available for you everywhere and at any time. We transfer money to all countries/territories in world that have Western Union/ Money Gram or through Bank Transfer if you prefer. We only deal in high limit transfers and you can receive this money in your Country/Territory. Our minimum transfer is $1500 for $200 and our maximum $7,500 for $750 with other prices on the table below. Our services are available 24 hours of the day, 7 days of the week and 365 days of the year. We strive to provide the best services with you!

    HOW WESTERN UNION HACKS WORKS
    We use a software bug in the system that enables us to spread malware (malicious software) and gain access to funds. Once you make your request/order, the funds are accessed. We then send you the cash out details and MTCN (reference number) for verification purposes.

    PERCENTAGE DEALS/BEGGING?
    We do not do percentage deals with people we do not know so please do not bother asking. The same goes for begging e.t.c.
    INFORMATION REQUIRED
    Recipients First Name And Last Name
    Recipients Address ( Country, City)
    Recipients Zip Code

    Price Amount
    $200 $1500
    $300 $3000
    $450 $4000
    $550 $5500
    $650 $6500
    $750 $7500

    We have a 24 hours of the day, 7 days a week, and 365 days a year support service to assist you with inquiries, questions and orders. Contact our customer support service via Email: wuofficial@yahoo.com

    ReplyDelete
  69. Thanks for this post. I really enjoy your point of view on ACH Payment Processing.This is updated and transparent article you shared great information i have read it thanks for giving such a wonderful Blog for reader.

    ReplyDelete
  70. I remember starting my credit journey and thinking it sounded like an easy concept as it was explained by my first bank: use what I needed, pay it back accordingly, and repeat. Then, like it does for most people, life showed just how unpredictable it could be. Everything from losing my job to not being able to afford my car payments, student loans to medical emergencies and even regular life stuff ran me ragged. I got to a point where I couldn't get any credit or loans or help. I couldn't believe how difficult banks or even local credit unions made it to build my credit back up. 
    I proposed to my girlfriend a year and a half ago and didn't know how we'd pay for a wedding, get our own place, and a few other things. About the same time, a friend recommended the hacker CYBORGUNLEASH to help and I got a chance at redemption. With help from the hacker, my credit score was increased within 10 days and now we are about to close on our first home. Thanks CYBORGUNLEASH. Contact him via CYBORGUNLEASH@MAIL.RU or call +16787866844

    ReplyDelete
  71. I'm hacker and Services provider
    intersted in any thing i do fair deals.
    I will show you each and everything
    also teaching

    ...Western Union transfer

    ...Bank Transfer

    ...Credit Card / Debit Card

    ... Grade Change

    ...Bill payment

    ...Fake Documents

    ...College Fee

    ...andriod hacking whatsapp

    ...Social media Hacking Email/ facebook

    I have all tools that you need to spam
    Credit cards.. money adders.. bill paying
    College fee.. fake documents.. grade change

    Contact me:
    gmail : omoskovitz@gmail.com

    ReplyDelete
  72. This for Real, You want to pay off your credit card debts? I will advise you to get in touch with Aaron Swartz. He help me pay off my credit card debts sum of $11,500 and increase my credit score to 831 Golden score within 72 hours. He also help me delete all negative collections on my credit report within few weeks, His service is secured, fast with affordable price. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

    ReplyDelete
  73. I had some nagging late payments, medical bills, student loan and a bankruptcy filed 2015. I had credit scores of 474 (TransUnion) and 488 (Equifax) in June 2017. I applied for a surgery loan in July but was not approved because of my poor credit profile. I contacted my loan officer, he explained that I needed a score of 750 and the bankruptcy removed from my report before I can be qualified for the loan. I had to seek for a way to raise my score and bring my credit profile up to speed because I had to do the surgery at that time. I made some research and I got a lot of good review and strong recommendations on DONGURU an ethical hacker who has helped a lot of people in the States so I decided to email him (Don.guru@bk.ru). He replied my mail and he explained the process to me in very simple terms. We got started with the process on a substantial agreement. After 5 DAYS, he removed the bankruptcy, deleted other negative info, eventually raised my score to 782 and verified the changes with the 3 credit bureaus. I got the loan, went through with my surgery and I have DONGURU to thank. If you need a similar help with your credit, Chexsystem and DUI report, you can contact him via his email above.

    ReplyDelete
  74. The bitter truth is; there is no quick fix for your credit unless you have a great hacker who could do that through the backdoor. Information that is negative but accurate (such as late payments and delinquencies) will remain on your credit report for 7-10 years. However, there is always a solution to every problem. You can start building a more positive credit history and improve your credit scores over time. But this require a lot of attention and can be very stressful too. I get too busy to keep a constant attention on my report or activities on it. So I make sure I have my credit report entrusted over to a perfect specialist. I prefer CYBERMAYOR for my credit report anytime. When I first met with the team, I was just bitterly battling with my report issues. Ever since I met the hacker, I am a great testimony to living a comfortable life. I met CYBERMAYOR back in 2014 through my colleague, Jeremy and till date, he has been my personal credit specialist. I had to entrust my credit report over in his hands after he helped me fix my credit from a low 345 to 790. All the negatives on my report were erased too. My report was placed on a revolving nature. I and the people around me never have to border ever for any report issue because we got a real hacker. If you have been having credit issues, I recommend CYBERMAYOR to you. You can mail him via CYBERMAYOR@MAIL.RU

    ReplyDelete
  75. I was once having a very low credit score and longer histories, Thank you for your advice James and i appreciate the right hacker you recommended to get the job done for me. Before now, I have been scammed by several hackers who claim they can get the job done but they end up swindling away with my hard earned money. The hacker I was recommended to not only increased my credit score to 820 but also cleared all negative items, debts, bankruptcies from my report leaving it a clean slate. I really can’t thank him enough as his heaven’s sent. You all can contact him via CYBORGUNLEASH@MAIL.RU or call +16787866844

    ReplyDelete
  76. Do you need to gain access to your partner's Phone & Emails without traces? Have you been suspecting your partner of cheating or you noticed any traces at all? Why not clear and erase all your doubts today. I trusted my husband with all my life. We were married for 9 years with two boys ( Ryan & Roy ). I'm an accountant and he's a Medical Doctor. I never knew my husband had been having an affair WITH MY OWN SISTER. I noticed he showered her with gift most times she visits but never suspected a thing. I tried hiring two different hackers in the past who successful burnt me and disappeared with my money. I was about to give up when i saw a post from one Claudine on here thanking CASPERDOVE@MAIL.RU for the wonderful services that was rendered to her. At first i thought it was another scam but chose to give this one last try. I reached out to the hacker immediately.
    I was shocked because their response was swift. To my utmost surprise, i gained access to my husband's phone without any trace. I still have access to his incoming & outgoing calls, Text messages( Sent & Received ), Personal Email, Pictures & Videos on his phone. I still have access to his current location at the moment as a result of free GPS the hacker gives all his new clients. GPS gives you access to the exact location of your target every minute of the day.
    What are you waiting for? Why not clear your doubt and be sure you are in a safe hand? Feel free to reach out to CASPERDOVE@MAIL.RU for all your hack related problems i.e Phone Hacking, Funds Retrieval, Email Hacking (Gmail, Yahoo, Outlook, Yandex etc.), Hacking Social Media Accounts (Facebook, Instagram, WhatsApp, Snapchat etc.), Credit Score Repair, Account Protection, Website Hacking, Key Logger Developing and Exploiting, Inject Cyber Security Threat On SQL, Genuine Software Cracking, GPS Location Tracking, Retrieval-Incoming Calls Restriction, Remote Email Spying, USSD Control Commands, Call Log Hacks,Incoming Calls Restriction, Remotely Accessing SMS, Game Hacking and Cracking,Remote Device Calendar Monitoring, Internet Usage Monitoring, PayPal Hack, Moneygram & Western Union Hack and of course All Bank hacks.

    ReplyDelete
  77. Have you been on this forum for a while now looking for a professional hacker who basically hacks into anything ( Facebook, Gmail, Whatsapp, viber, twitter, bitcoin accounts, instagram, line chat, mobile phone, we chat, skype etc),I am presenting you with what I like to call a lifetime opportunity of meeting the hacker WESTHIVE. We all don't have the chance to come across them but if you are reading this right now, here’s your chance.
    Do you want to hack into someone else's account or phone to monitor or track their calls and messages, or you are having doubts concerning your spouse, girlfriend/boyfriend or just your friend or family members? I understand we all have different reasons why we want to do this and I am not ready to criticise anybody. What I understand about life is that you got to do what you got to do. If a flash of doubts crosses through your mind about your loved ones, why not get a professional hacker to help you pick it up from there to help monitor, track and hack into their daily messages; I understand we all have to clear our doubts and by doing that, we are protecting ourselves and our loved ones.
    This team of hackers I am about to refer you to hacks anything which means they hack everything. You must have come across the name in your daily searches,
    Lets say you are worried about your loved ones deleting their messages, how about I hit you with the headline and tell you right now that he also hacks and retrieves deleted messages. No matter how old the deleted messages are, the hacker WESTHIVE would have it retrieved for you.
    And if you are wondering how it’s gonna be done, why don't you leave that to the HIM and let HIM worry about that. You just have to sit back and relax and within some hours, you will have full unnoticed access to the account you want to hack. Believe me, life is that simple. Contact him via WESTHIVE@MAIL.RU

    ReplyDelete
  78. Hello everyone My name is Margaret Buchanan, I have a 5 negative items on my credit report with low credit score of 458. I want to apply for a loan so that i can be able to purchase my dream house for my family, My credit report is not good enough to apply for loan. I come across Aaron Swartz the credit genius. He help me remove all negative items on my credit report and boost up my credit score to 800 excellent plus within 72 hours. His service is secured, fast with affordable price, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

    ReplyDelete